Do your age or your salary matter when it comes to calculating your FICO credit score? No, and neither do these 10 other factors.When checking your application for a credit card or a loan, most lenders will assess your creditworthiness, or your likelihood of paying back what you borrow, by looking at your 3-digit credit score.
While there are various scoring models lenders choose from, most use the FICO credit scoring model by Fair Isaac Corp. to measure consumers' risk. FICO scores range from 300 to 850, or from very poor credit to excellent credit. Wherever your credit score falls, it's worth noting what can make your score go up or down. But you also should understand what doesn't get considered into your score's calculation at all.
Lets be real here: Race, age, religion, marital status, gender, salary are NOT used in determining your FICO score...but they are absolutely used in trying to OBTAIN credit that goes towards trying to improve your FICO score.
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